Banks using annoying stalling tactics! how shall I respond?

[007coot]

Hi,

 

HSBC now doing the same as Natwest did and don't bother actioning a SAR if they think you're just after PPI!

 

I sent HSBC a SAR on 30th March 2012, I used the template letter from here but I didn't enclose a fee.

 

Now I didn't send the fee because......

a) I just didn't have the money to pay all 11 and the template letter I used was worded "please inform me, prior to processing this request, if you require a fee to be paid" . Yes I now know this was a mistake! I should have changed it and just enclosed the fee! and

b) I know from previous experience with bank charges a lot of them waivered the fee back then.

 

I re-sent my SAR on the 13th June 2012, changed the template by adding bullet points to make it clear what i required from them and also enclosed the fee.

 

I have today received a letter saying they have been trying to contact me by phone to get a "clearer understanding of the type of information that you wish to receive,

to ensure that we send tyou the correct information" .

 

They then go on to say that they assume I wanted to know if I paid PPI so they gave me to Loan aco**** numbers

and dates loan started but NOTHING ELSE! they also returned my cheque uncashed.

 

Now as much as I am grateful that they admit I paid PPI they haven't said how much,

when etc so I need my full SAR so I can work this out.

 

I am also killing two birds with one stone becasue I am desperately trying to work out my finances,

we are in a lot of debt and I am trying to get organised and by having all my data I can see a clearer picture, file it all neatly and keep it.

(Previously I burned everything to try and make it go away !!!)

 

Now by sending a new SAR letter and fee I gave them 40 days from 13th june which means they have until 23rd July to respond.

This tactic has just stalled that completely! now i have to write back, tell them I want it all and wait god knows how long to get it again!

Can anyone please suggest a template letter as I am furious that they are getting away with this.

 

Here are the letters I sent:

 

 

 

SUBJECT ACCESS REQUEST

 

 

 

Mr **********

87 ********

******

**** ***

 

 

HSBC

8 Canada Square

London

E14 5HQ

 

30thMarch 2012

 

Dear Sir/Madam,

 

Ref: Credit card number: ***********

 

and Loan Account number: ***********

 

 

Please supply me with copies of all the data which you hold on me inrelation to any matter and in any form and for any period of time. This mustinclude:

· A copy of my credit agreements for each creditcard, loan or account I hold

 

· Details of any payment protection insurance andamounts paid

 

· Copies of letters and emails that I have sent toyou and vice versa.

 

· Customer activity logs

 

· Account screenshots

 

· Telephone logs

 

· Copies of correspondence with third parties, alist of third parties who my data has been processed/shared/passed to

 

· Statements for the duration of the account

 

· Anything else relating to my account

 

Please note that I require disclosure of any personal data which youhold on me for the entire period of my dealings with you.

 

The Subject Access is not limited to my transaction history and it isnot limited merely to 6 years of historical information.

 

Additionally, where there has been any event in my account history overthis period which has required manual intervention by any member of your staff,or any other person, I require disclosure of any indication or notes which haveeither caused or resulted in that manual intervention, or other evidence of thatmanual intervention in relation to my banking business with you.

 

If you are unable to supply this data becausethere has been no such manual intervention, then please be so kind as toconfirm this in your response

Yours......

[007coot]

is this ok????

 

I am very disappointed at the letter I received today regarding my Subject Access Request made under the data protection act 1998.

I made it perfectly clear in my request that I required full disclosure of ALL details you hold on me. Please see copy letter enclosed. (I have enclosed a photcopy of my SAR and also the response they sent me)

 

You had 40 days in which to comply with this request. By the time you receive this letter you will have exceeded the 40 days in which you had to comply.

 

I expect to receive my full data within 14 days after which I will contact the ICO without further warning. I have enclosed the statutory £10 fee again.

 

[ims21]

There's a failed SAR letter in the CAG library...top left in green

[007coot]

HI Ims, I used the letter you suggested, had a response today saying they were sorry and could my husband fill out a form to state which branch he would like to collect data from but I now have a small problem! my husband is working away at the Olympics for another 6 weeks and I'm doing all the claims, he doesn't want to collect from a branch in London because a) he's way too busy and b) for security he doesn't wan it up there as he is living in a hotel. Is there anyway he can arrange for either myself to collect on his behalf if I take both our ID's or can I make them post it??? not sure what to do! can you, or anyone else reading this offer any advice please?

 

Thanks

[ims21]

I would think that the only way you could could collect on his behalf would be a signed authority from him which should be sent to the bank and confirmed by them before they will release his data to a third party.

[007coot]

Thanks Ims